Effective April 25, 2026 · Last updated April 25, 2026
By creating an account or using HarvestEngine ("the Service"), you agree to these Terms of Service ("Terms") and our Privacy Policy. If you don't agree, don't use the Service.
HarvestEngine is software that helps you run a tax-loss harvesting and direct-indexing strategy on a brokerage account you control. The Service:
The Service does not hold or custody your money, securities, or accounts. Your brokerage is your custodian; you can revoke our access at any time from the brokerage's website.
HarvestEngine is software, not a registered investment advisor (RIA), broker-dealer, financial planner, or tax advisor. Nothing in the Service constitutes investment, legal, or tax advice. Trade proposals are generated by algorithms based on rules you configure; you are solely responsible for reviewing and approving them.
Before making investment decisions, consult with a licensed financial advisor or tax professional. Past performance does not guarantee future results. Investing involves risk, including the potential loss of principal.
You must be at least 18 years old, a legal resident of the United States, and have legal capacity to enter into a contract. The Service is currently offered only to U.S. residents using U.S. brokerage accounts.
To use most features, you connect your brokerage account via OAuth. By doing so, you authorize HarvestEngine to:
You can revoke this authorization at any time from your broker's website. Doing so disables HarvestEngine features that depend on broker access; nothing else changes for your account at the broker.
HarvestEngine is not affiliated with any brokerage. We are a third-party tool you authorize. Your relationship with your broker — including fees, executions, account agreements, and dispute processes — is between you and your broker.
You agree not to:
HarvestEngine is currently in private preview at no charge. Once paid tiers launch:
Brokerage commissions, regulatory fees, and any per-trade costs charged by your broker are separate and not collected by us.
HarvestEngine, including all software, designs, content, and trademarks, is owned by us or our licensors. We grant you a limited, non-exclusive, non-transferable license to use the Service for your personal investment activity. You retain ownership of your data; trade proposals generated for you are licensed to you for your use.
The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that:
To the maximum extent permitted by law, HarvestEngine and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation loss of profits, data, use, goodwill, or other intangible losses, resulting from:
In no event shall our total liability exceed the greater of (a) the fees you paid us in the twelve months preceding the event giving rise to liability, or (b) US$100.
You agree to defend, indemnify, and hold harmless HarvestEngine from any claims, damages, and expenses arising out of (a) your use of the Service, (b) your violation of these Terms, or (c) your violation of any law or third-party right.
You may close your account at any time from your account settings. We may suspend or terminate your account if you breach these Terms, if continued provision creates legal or operational risk, or if we discontinue the Service.
Upon termination, your access to the Service ends, but provisions that by their nature should survive (intellectual property, liability limits, indemnification, governing law, dispute resolution) survive.
These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles. The exclusive venue for any non-arbitrable disputes shall be the state and federal courts located in San Francisco County, California.
Most disputes can be resolved informally. Before filing any claim, contact us at the email below; we'll try to resolve it within 60 days.
If we can't resolve it informally, any dispute arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by JAMS under its Streamlined Arbitration Rules, with arbitration in San Francisco, California, in the English language. Both you and HarvestEngine waive the right to a jury trial and to participate in a class action.
Either party may seek injunctive relief in court for intellectual property infringement or unauthorized access without first proceeding to arbitration. Small claims court remains an option for qualifying disputes.
We may update these Terms as the Service evolves. Material changes will be announced via in-app notice and email at least 30 days before they take effect. Continuing to use the Service after the effective date constitutes acceptance of the updated Terms.
Email: legal@harvestengine.ai